Jiayin Group Inc
ir.jiayin-fintech.comWhat Do They Do?
Facilitates unsecured consumer loans for individuals and provides borrower referrals and risk assessments to banks, trusts, consumer finance companies and microcredit companies.
20-F for FY2025, filed Apr 28, 2026We and the VIE Group are one of the leading fintech platforms in China committed to facilitating effective, transparent, secure and fast…View ↗
We and the VIE Group facilitate primarily standard loan facilitation services online, which are all unsecured consumer loans to our and the…View ↗
We and the VIE Group introduce borrowers to institutional funding partners, including commercial banks, trusts, consumer finance companies…View ↗
How Are They Changing?
Shorter loan terms
The earlier report describes a focus on mid- to long-term consumer loans, while the latest describes a focus on consumer loans with shorter terms.
20-F for FY2022, filed Apr 28, 2023 20-F for FY2025, filed Apr 28, 2026We and the VIE Group strategically focus on facilitating mid- to long-term consumer loans, as we and the VIE Group believe such loan…View ↗
We and the VIE Group strategically focus on facilitating consumer loans primarily with a term of no more than 12 months, as we and the VIE…View ↗
Guarantee services
The earlier report describes Hainan Yinke as providing commitments to funding partners or licensed credit-enhancement providers. The latest describes primary guarantees through its subsidiaries and back-to-back guarantees with third-party guarantee companies.
20-F for FY2022, filed Apr 28, 2023 20-F for FY2025, filed Apr 28, 2026In August 2022, Hainan Yinke Financing Guarantee Co., Ltd., or Hainan Yinke, was incorporated as a wholly-owned PRC subsidiary of Geerong…View ↗
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